Below are some current credit cards offers.  In the book  The Frugal Factor I explain how to take full advantage of these cards, make money, and stay in some very nice hotels FREE!

------------- Below you will find $900 in sign up bonuses and over 15 FREE Hotel nights -----------------

For everyday Deals visit - www.TheFrugalFactor.com

There is a definite strategy to getting all of the deals and the maximum number of cards.  To learn how read The Frugal Factor!

Best Credit Cards - These are the ones to have and KEEP.  Choose one or more of these as your Primary card.

Schwab Invest First - Overall the best card.  2% Cash Back, automatically deposited each month. Other cards require you to log on and redeem your points.  NO ANNUAL FEE, Free Extended Warranty.

CitiForward Card - Provides 5 Points for all Movie, Music, Books and Restaurant purchases.  NOTE: Amazon.com counts as a Book Store!  SEE Details   Key Features - Free Extended Warranty, 90 day purchase protection.   NO ANNUAL FEE!

Amex Blue Cash  - After you spend $6500 cash back increased to 5% on Gas, Supermarkets and Drug stores.   NO ANNUAL FEE, Extended Warranty.

Marriot Card - This card costs $65, but every year you get one FREE night at a Marriot hotel.  Not a bad deal. When you sign up you get a 30,000 points - enough for a night at most marriot hotels.  or NO annual FREE night and NO annual FEE, with only 25K points at this LINK

 Chase FREEDOM - WARNING - A year ago this card provided 5% back on Gas, now its only 3%.  I worry that in the new offer it may not be 3% anymore.  It states 3% in popular categories, which may mean that they change the categories every month.  Changing categories is what DISCOVER Card does - all their ads state UPTO 5%.  But the 5% categories change each month, and you need to sign up every month to get the 5%.   Using this link will give you a $50 sign up bonus.


Great just for rewards sign up.  Get the rewards and that's all.   All waive the annual for if any for the first year. Be sure to cancel IF there is an ANNUAL Fee.  If not annual fee, no reason to cancel.

Chase Sapphire - 25,000 points after spending $3000.  25,000 points = $250, Or this link for only $150  Fee after First year.

Amex GREEN - SPend $500 get 10,000 points enough for a $100 gift card.  Fee after first year.

Amex GOLD - Spend $500 get 10,000 points enought for  $100 in gift cards.  Fee after first year.

Amex Gold Premier - SPend $1,500 and get 15,000 points enough for $150 in gift cards.   Fee after first year.

YES you can get all Amex three cards - The Frugal Factor Way.

FlexPerks - Get 10,000 points after $500 in purchases.  10,000 points can be converted to a $100 statement credit!  $49 annual fee after first year.

LaQuinta Card - FREE Hotel Night or two depending on the hotel.

GoldPoints Card - 2 FREE Nights

Priority Club - 30,000 Points enough for 2 FREE Nights

STARWOOD Card - 10,000 Points = upto 3 FREE Nights - this is considered the best travel reward card.  Allows you to move points to airline rewards etc.  $45 Annual FEE.

Hilton Honors Card - CitiBank - 15,000 Points enought for 2 FREE Nights

Hilton Honors Card - Amex - 50,000 Points after you spend $1,500

Royal Carribean - $100 credit towards your next cruise.

Disney - $100 Gift Card

COMPARE and FIND other Offers - Click this LINK